The Real Truth About Your Mortgage... That The Bank Don't Want You To Know About!

“How can a completely new customer get a lower rate than a 10 year loyal customer?”

Laura & Timmy discovered they were on a higher home loan rate than what their bank was advertising to get new customers.

They contacted their bank thinking that because they have been loyal customers of the bank for over a decade that the bank would look after them and review their rates.
"But we were wrong!"

Laura & Timmy soon realized that not only wouldn’t their bank offer any better rates, but that their bank was actually offering much lower rates to new customers.

"How can this be fair?"

“How can a completely new customer get a lower rate than a 10 year loyal customer?” - but still their bank was not able to assist them. 

Bank Loyalty could be costing many home owners thousands every year is missed savings.

Emanate Finance can use the banks shortcomings against them! 

OK - so your bank doesn't care and wont give you, their loyal customers a better rate???? No biggie - We'll help you seek out a competitor that will! 

With just a 10 minute phone conversation Laura & Timmy where able to discover that not all lenders are alike, in fact they were able to secure an interest rate a staggering 1% lower than what they were on - that's an insane amount of interest their old bank was pocketing, thats now going straight to Laura and Timmy holiday fund!

Our quick and easy home loan rate review keeps the banks in check and helps home owners seek out savings without wasting hours searching for lenders online, waiting in bank cues or causing irreversible damage to credit files.

Click [Rate My Mortgage Now] to seek out savings with or complimanry mortgage interest rate review.

What would you rather spend your money on?

Travelling the world


Better school for the kids


Family fun days


New car for that empty driveway


Pocket the savings


Live your life the way you want


Our recent success stories

 Laura & Timmy discovered they were on a higher home loan rate than many others they had seen advertised. They contacted their bank thinking that because they have been loyal customers of the bank for over a decade that the bank would look after them and review their rates. Laura & Timmy soon realized that not only wouldn’t their bank offer any better rates, but that their bank was actually offering much lower rates to new customers. How can this be fair they argued, “how can you give a completely new customer a lower rate than a 10 year loyal customer?”, but still their bank was not able to assist them. 

Thankfully, their next move was to contact Emanate Finance for a home loan rate review. With just a 10 minute phone conversation Laura & Timmy where able to discover that not all lenders are alike, in fact they were able to secure an interest rate a whole 1% lower than what they were on. Although they only had a small mortgage, their savings were well worth it.

Laura & Timmy

Perth Southern Suburbs

Fiona & Kim were struggling to keep up with their home loan repayments, multiple personal loans, credit cards an array of other overdue bills. Thinking all was lost they fell behind on many of their loans and were ready to throw in the towel and call it a day. In a final attempt to find a solution Fiona & Kim contacted Emanate Finance for help, with just a 15 minute phone call Fiona & Kim discovered they do have options and all was not lost! 

By using the equity in their home, Fiona & Kim were able to consolidate all their accounts in to one, easy to manage and much lower monthly repayment. Fiona & Kim have cleared up all their back payments, payed out all of their loans, closed down the credit cards and even payed their overdue council rates.

Fiona & Kim

Perth Northern Suburbs

Why do we do what we do?

We believe everyone deserves affordable home ownership, we believe money should be spent on living life – not living life to make money,  we believe everyone needs more time with their family, we believe that loyalty should mean something, we believe in a better way!

How can we help?

Emanate Finance can help save time, stress and money so you can spend more time with your family and have more money to live your life the way you choose.

How we do it?

 We do this buy helping our clients to find the right home loans for their goals, to help understand the decisions they make around their finances and by building long lasting relationships they can rely on to be there every step of the journey, now and in to the future.


Why rate your mortgage?

See how you rate fares against over 800 rates
 Find out if your bank is looking after you
 Find potential savings
Keep the banks in check
Make loyalty mean something again!

We do all the legwork!
Every day you wait is another day you could have more money to enjoy the finer things in life, and another day your bank is increasing their profits.









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